China's Rural Credit Cooperatives Credit Business Legal Risk Prevention

Rural credit cooperatives belong to collective ownership enterprise legal person in nature and play a cooperative role in rural financial field.Rural credit cooperatives have a very special position in the county financial market economy.It has absorbed a large number of county residents' deposits and operated several times the amount of funds used for credit business,which is quite risky.Rural credit cooperatives operating credit business,in fact,is in the business risk.Restricted by its own operating system and management system and lagging internal control construction,as well as insufficient legal means to prevent credit business risks,rural credit cooperatives always have a high rate of defective credit assets and concentrated risks and hidden dangers,which lay hidden dangers for the safety and stability of the rural financial system.Compared with other financial institutions,rural credit cooperatives in the credit business legal risk prevention and control aspects of the particularity,the situation is serious.In order to promote the credit risk prevention ability of rural credit cooperatives,maintain the stable operation of county financial markets,this article in baoding c w county credit cooperatives loan fraud as the breakthrough point,together with the method of case analysis,analyzed the problems existed in this case,for below discusses about China's rural credit cooperatives credit business hit a series of problems such as the legal risks do bedding,and put forward corresponding countermeasures.This paper is divided into five parts: the first part is the introduction,which introduces the background,significance and research status at home and abroad.The second part expounds the credit risks of rural credit cooperatives,describes the current situation of credit business with baoding rural credit cooperatives as an example,introduces the concept of legal risks of credit business,and explains the characteristics of legal risks of credit business of rural credit cooperatives in China.The third part makes an empirical analysis of the legal risk types of the credit business of rural credit cooperatives.The fourth part analyzes the causes of the legal risks of the credit business of rural credit cooperatives in China,including the lack of legislation system,multiple supervision,internal management and imperfect social environment.The fifth part is the focus of this paper,combined with the causes of legal risks of credit business,explore the construction of China's rural credit cooperatives credit risk legal preventive measures.From the aspects of perfecting the legislation system,perfecting the supervision system,improving the social credit environment,perfecting the credit insurance system and litigation execution system,this paper discusses the preventive measures in detail and puts forward some targeted and constructive Suggestions.